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Voluntary Long-Term Disability Plan (Employee Paid)

If your organization does not provide Long-Term Disability Insurance as a benefit, employees may still purchase it through their employer. They may choose coverage for either 25% or 50% of their regular compensation, up to $5,000 per month.

Benefit Reductions

Benefits may be reduced by payments received from: Workers’ Compensation, Social Security Disability, State Disability or other income replacement benefits received for the same disability. Benefits are only taxed if the premium is paid fully or in part with pre-tax dollars.


Once insured for at least 12 months, an employee whose employment is terminated may be eligible to continue coverage for up to 12 months by applying directly to Lincoln Financial Group. However, Lincoln Financial Group must receive the Application for Conversion of Group Long-Term Disability Insurance within 30 days of the employee's termination date.

To learn more:

To enroll your institution, complete and submit an Employer Enrollment Application Form.


Disability Insurance Disclaimer

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